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      03-01-2014, 01:02 PM   #45
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Originally Posted by M Fanatic
Quote:
Originally Posted by Kief View Post
No problem
But you guys in states that require you to pay the entire tax on a lease is ridiculous! So would you be "double taxed" on the residual if you decided to buy the car after the lease?
That's not true at all. In NJ, we pay tax on the MSRP - Residual, which is a lot less than paying tax on the full price. This is one of the reasons why I lease my cars.
If you purchase a car and later trade it in, you should get back the tax on the trade in value.
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      03-01-2014, 01:19 PM   #46
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Originally Posted by WJGreer View Post
Horsefeathers. The issue with leasing is that since so many variables go into the calculation, most buyers can't negotiate from an informed position, get taken somewhere, and end up paying more than they should on a lease.

BMW is actively using its lease program to capture market share, mainly by manipulating MSRP and residual to make lease payments lower than maybe they should be. On the one hand, I say that leasing and financing are two different financial tools, one not being any better or worse than the other, all depending on the individual deal. On the other hand, I'd say that at the moment BMW is doing things that usually make it advantageous to lease. Mercedes also.

In any comparative analysis, you have to assume that you keep the car equivalent lengths of time whether you buy or lease. Buying a CPO car and holding it for 8-10 years is almost always going to be the most economical option.

+2
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      03-01-2014, 01:27 PM   #47
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Originally Posted by Powaup View Post
These lease rates make me consider dropping some options like LEDs then buying out at lease end then selling the car and do ED again on an LCI model with Frozen color and more options
I have been thinking of cutting my car down too. Dropping dct, lighting, and adaptive suspension. Cuts my msrp down $6900 which i can use on coilovers. Im 90% sure im dropping dct no matter what.

Final build would be...

M4
Exec pack
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Lease in this config for 2 years then get an LCI on a good deal.
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      03-01-2014, 01:31 PM   #48
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Originally Posted by JaySM3 View Post
Can someone explain to me security deposits? I hear it's like a down payment except at the end of the lease your money is refunded
You can put down up to 7 additional security deposits. Each would be the monthly payment rounded up to the next hundred. (999 payment each MSD would be 1000). For each additional deposit they drop the money factor by .00007 i believe. Thus lowering your monthly payment. At the end of the lease you get the deposits back.
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      03-01-2014, 01:52 PM   #49
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Quote:
Originally Posted by dmk08 View Post
I have been thinking of cutting my car down too. Dropping dct, lighting, and adaptive suspension. Cuts my msrp down $6900 which i can use on coilovers. Im 90% sure im dropping dct no matter what.

Final build would be...

M4
Exec pack
19s
Hk audio

Lease in this config for 2 years then get an LCI on a good deal.
I think many will consider reconfiguring their builds. The only thing that really matters to me is ZEC anyway.
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      03-01-2014, 02:02 PM   #50
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Oh my. You guys are arguing over 1-200/mo. Just wait 2 years and save 40%? Seems like it's not the money it's the status that matters to you.

T
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      03-01-2014, 02:07 PM   #51
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Quote:
Originally Posted by dmk08 View Post
So on $76905 total price (figuring 1k for loyalty) my payments on 12/36 look like $1116.31 with no MSD and $1038.31 with full MSD. Tax up front on both.

I would love to drop 5k down and get my payments down to around $900. But apparently that's like the biggest lease sin ever lol.

If you pay that much, you're not a good negotiator! $77k?
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      03-01-2014, 02:12 PM   #52
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Quote:
Originally Posted by Sedan_Clan
Quote:
Originally Posted by barcius13 View Post
Almost always better to buy than lease a car. Banks exist for a reason and it is to realize capital gains. Lease carry more risk to banks than loans so it is expected to cost more than financing. There are finance vs. lease tools all over the internet these days. At the end the decision is not about cost, but about preference:
1) Lease if you know the mileage and you will sell the car at the end and do not want to deal with the hassle of selling the car on your own.
2) Finance if you want to save some $ and/or may keep the car longer and do not mind selling it on your own.
You forgot another option.....


....Lease if you just like to change cars every few years. Sometimes it's really just that simple.
That is what I meant with option 1. If you know you want to change the car go with the lease option. It may be more costly, but save you the headache of selling the car at the end.
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      03-01-2014, 02:12 PM   #53
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Quote:
Originally Posted by ///Mangler View Post
Oh my. You guys are arguing over 1-200/mo. Just wait 2 years and save 40%? Seems like it's not the money it's the status that matters to you.

T

While your point about waiting is valid (..and your "status" assertion is invalid), let's not act as though saving $100-200 a month is insignificant.
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      03-01-2014, 02:15 PM   #54
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Quote:
Originally Posted by Haywood View Post
If you pay that much, you're not a good negotiator! $77k?
He's presuming that dealerships will not budge at this time from the MSRP price (..and why would they when there will be people willing to pay MSRP all day long?).
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      03-01-2014, 02:17 PM   #55
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Quote:
Originally Posted by WJGreer
Quote:
Originally Posted by barcius13 View Post
Almost always better to buy than lease a car.
Horsefeathers. The issue with leasing is that since so many variables go into the calculation, most buyers can't negotiate from an informed position, get taken somewhere, and end up paying more than they should on a lease.

BMW is actively using its lease program to capture market share, mainly by manipulating MSRP and residual to make lease payments lower than maybe they should be. On the one hand, I say that leasing and financing are two different financial tools, one not being any better or worse than the other, all depending on the individual deal. On the other hand, I'd say that at the moment BMW is doing things that usually make it advantageous to lease. Mercedes also.

In any comparative analysis, you have to assume that you keep the car equivalent lengths of time whether you buy or lease. Buying a CPO car and holding it for 8-10 years is almost always going to be the most economical option.
If I say I work for BMW Bank would you change your opinion?
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      03-01-2014, 02:31 PM   #56
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Quote:
Originally Posted by barcius13 View Post
If I say I work for BMW Bank would you change your opinion?
No.
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      03-01-2014, 02:33 PM   #57
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Quote:
Originally Posted by WJGreer
Quote:
Originally Posted by barcius13 View Post
If I say I work for BMW Bank would you change your opinion?
No.
Smart
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      03-01-2014, 02:45 PM   #58
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Quote:
Originally Posted by Sedan_Clan View Post
He's presuming that dealerships will not budge at this time from the MSRP price (..and why would they when there will be people willing to pay MSRP all day long?).
True. I'm just in the camp of never ever paying MSRP for a car. But, to each his own.
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      03-01-2014, 02:49 PM   #59
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Quote:
Originally Posted by okjohnho View Post
Guys, a great app that's helped me with my leases is "ileasecarpro" for iOS. Might be for android too, it's an awesome tool.
Great tip! It's actually called iLeaseMyCar Pro

I just looked it up. Thanks!
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      03-01-2014, 03:11 PM   #60
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Quote:
Originally Posted by Sedan_Clan
Quote:
Originally Posted by ///Mangler View Post
Oh my. You guys are arguing over 1-200/mo. Just wait 2 years and save 40%? Seems like it's not the money it's the status that matters to you.

T

While your point about waiting is valid (..and your "status" assertion is invalid), let's not act as though saving $100-200 a month is insignificant.
It is insignificant if you are willing to lose $30k on buying a new $75k vehicle. $2400 over 2years is completely insignificant when you are losing 600% more than that every month.

I never will be able to wrap my head around buying a new vehicle. Much less a 70-80k one. Not that I can't afford one, just can't rationalize it.

T
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      03-01-2014, 03:24 PM   #61
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Quote:
Originally Posted by KennyPowers View Post
4125. 6.25%

Again, is probably pay that in cash upfront
Kenny, I don't know if it is still available, but I prepaid a lease in Texas and BMW Financial picked up the sales tax and a reduced money factor. that was on a 2011 1M. You may want to check with finance dept. at BMW dealership.
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      03-01-2014, 04:05 PM   #62
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Originally Posted by NYAWE60 View Post
Damn this is pricey. In January 2012 I was able to get my buddy a 335is lease with $59000 MSRP for $5K down and $550/month including taxes. $1000-1200/month is nuts id prefer to just buy the car outright from the beginning maybe even do a long term finance since M3's always have amazing retention value. 2008 E90 M3's are still commonly sold for high 30's. That car's starting price new back then was $51,900, fully loaded about $63,000. 50-60% of original msrp 7 years later is awesome.
Your numbers are way off on the M3 pricing in 2008. Sticker on my fully loaded 6 spd was $70K, not $63K. On the 335, BMW wanted to blow them out which is why the residual was so high which resulted in the low payment.
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      03-01-2014, 04:23 PM   #63
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Do you have rate (balloon %) for bmw select 60 month?
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      03-01-2014, 04:24 PM   #64
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Quote:
Originally Posted by Haywood View Post
True. I'm just in the camp of never ever paying MSRP for a car. But, to each his own.
Well then no one would have this car cause thats the going rate. I have yet to see any proof of anyone getting under MSRP.
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      03-01-2014, 04:45 PM   #65
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Quote:
Originally Posted by WJGreer
Quote:
Originally Posted by barcius13 View Post
Almost always better to buy than lease a car.
Horsefeathers. The issue with leasing is that since so many variables go into the calculation, most buyers can't negotiate from an informed position, get taken somewhere, and end up paying more than they should on a lease.

BMW is actively using its lease program to capture market share, mainly by manipulating MSRP and residual to make lease payments lower than maybe they should be. On the one hand, I say that leasing and financing are two different financial tools, one not being any better or worse than the other, all depending on the individual deal. On the other hand, I'd say that at the moment BMW is doing things that usually make it advantageous to lease. Mercedes also.

In any comparative analysis, you have to assume that you keep the car equivalent lengths of time whether you buy or lease. Buying a CPO car and holding it for 8-10 years is almost always going to be the most economical option.
Agree with you there. Neither is necessarily better than the other in terms of whole dollars, it should really just depend on personal preference and your goals.

As you said, the biggest issue is that leases generally rely on more variables than financing and dealers can tweak those variables to make it look more attractive. You can slice a 24" pizza into 4 slices or 20, but it's still the same amount of pizza. It's just up to folks to really inform themselves and decide how they like to eat their pie.
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      03-01-2014, 05:18 PM   #66
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Quote:
Originally Posted by s!ke
Quote:
Originally Posted by trusaleen1
Do you have the new lease rates for march for 435 15k/36 months
Ridewithg.com
Ridewithg.com no longer shows rates. Unfortunately he was asked not to show rates months ago
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